Car Hire Excess Insurance - Terms & Conditions

This contract is designed to meet your requirements in the event that your motor vehicle is declared a total loss during the period of insurance or you have been involved in a non-fault motor accident. We will cover any private motor vehicle or a light commercial vehicle up to a gross unladen weight of 3.5 tones provided the vehicle is registered and principally used in the UK, having a maximum purchase price up to £175,000 (including factory fitted accessories), which is less than eight years old and has covered less than 80,000 miles on the date of purchase of your policy.

Making a claim

To obtain assistance under this policy you should contact the Emergency numbers listed and provide the following:

  • Your name and address
  • Your policy number from the insurance schedule
  • Details in respect of your total loss or non-fault motor claim

The Lifestyle Insurances car hire excess insurance contract will reimburse any excess paid by you under your motor insurance policy. Following the successful settlement of any valid insurance claim in any one period of insurance and provided the total amount payable under any claim on the motor insurance policy exceeds the value of the excess and that the incident leading to that claim under the motor insurance policy occurred during the period of insurance.


If excesses apply, they will be itemised on your policy schedule

Complaints Procedure

It is our intention to give you the best possible service but if you do have any questions or complaints please contact us immediately. If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Services (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your rights to take subsequent Legal Proceedings. The FOS are located at

South Quay Plaza

183 Marsh Wall


E14 9SR

Telephone: 0845 080 1800

Your Contract with the Insurer

You must co-operate with the insurer in obtaining reimbursement of any costs that incur under the terms of this cover, which may have been caused by the action of a third party against whom you have a legal right of action.

Consumer Insurance (Disclosure and Representations) Act 2012

Under this Act, it is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer either before a consumer insurance contract is entered into or varied.

For the purposes of this act a qualifying misrepresentation is deliberate or reckless if the consumer

knew that it was untrue or misleading, or did not care whether or not it was true or misleading, and

knew that the matter to which the misrepresentation related was relevant to the insurer, or did not care whether or not it was relevant to the insurer.

Any such misrepresentation could invalidate your insurance cover and mean that part or all of any claim on the policy may not be paid.



We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575


This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.


We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.


Why do we process your data?


The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.


What information do we collect about you?


Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.


For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.


We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.


UK General’s full privacy notice


This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at [^] or request a copy by emailing us at Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.


By proceeding with access to our Website, you are deemed to have accepted these terms and conditions.